20 slides from Banco Bilbao Vizcaya Argentaria's earnings presentation, Nov 1, 2024
Slide 1: BBVA Group 3Q24
BBVA BBVA Group 3Q24
Slide 2: Disclaimer
BBVA Corporate Presentation | 2 | Disclaimer This document is only provided for information purposes and is not intended to provide financial advice and, therefore, does not constitute, nor should it be interpreted as, an offer to sell, exchange or acquire, or an invitation for offers to acquire secu
Slide 3: About BBVA
BBVA Corporate Presentation | 3 | About BBVA BBVA’s GLOBAL PRESENCE FINANCIAL HIGHLIGHTS SEPTEMBER 2024 SEPTEMBER 2024 Net attributable profit 9M24 CET 1 FL 7.6 BN€ 12.84% Total assets Deposits from customers OUR PURPOSE 769,341 M€ 437,834 M€ Countries Branches Employees Active Clients To bring the L
Slide 4: About BBVA: Purpose, Strategic Priorities and Values
BBVA Corporate Presentation | 4 | About BBVA Our To bring the age of opportunity Purpose to everyone Strategic Priorities Improving our clients’ Helping our clients transition financial health towards a sustainable future Our Values Reaching more clients Driving operational excellence The best and mo
Slide 5: A well-diversified footprint with leading franchises
BBVA Corporate Presentation | 5 | A well-diversified footprint with leading franchises BREAKDOWN BY BUSINESS AREA STRONG POSITION RANKING AND MARKET SHARE (%)2 Rest of Business South America 7% TOTAL Turkey 9% Spain SPAIN # 3 13.9% ASSETS1 55% 10% SEP.24 Mexico MEXICO # 1 25.1% 20% TURKEY # 2 19.1% R
Slide 6: 3Q24 key messages
BBVA Corporate Presentation | 6 | 3Q24 key messages NET INTEREST INCOME TOTAL LOAN GROWTH1 NET INTEREST INCOME +3.5% +0.0% +11.0% 1 DRIVEN BY ACTIVITY CONSTANT CONSTANT +3.7% EX- ARGENTINA CONSTANT vs. 3Q23 vs. 2Q24 vs. SEP 2023 NET FEES AND COMMISSIONS OUTSTANDING FEE INCOME +28% +8.1% 2 EVOLUTION
Slide 7: Excellent customer acquisition driven by digital
BBVA Corporate Presentation | 7 | Excellent customer acquisition driven by digital NEW CUSTOMERS1 (BBVA GROUP, MILLION; % ACQUISITION THROUGH DIGITAL CHANNELS) TOTAL DIGITAL 67% DIGITAL 20% 9M19 9M20 9M21 9M22 9M23 9M24 (1) Gross customer acquisition through own channels for retail segment. Excludes
Slide 8: Positive impact on society through our activity
BBVA Corporate Presentation | 8 | Positive impact on society through our activity BBVA GROUP LOAN GROWTH1 INCLUSIVE GROWTH FINANCING +11.0% 16 €BN (YOY, CONSTANT €) 115,000 FAMILIES BOUGHT 520,000 SMEs AND 70,000 LARGER CORPORATES MOBILIZED THEIR HOME2 SELF - EMPLOYED INVESTED IN GROWTH3 IN 9M24 BOO
Slide 9: Further advancing in sustainable business
BBVA Corporate Presentation | 9 | Further advancing in sustainable business SUSTAINABLE BUSINESS (€BN, ACCUMULATED DATA 2018-9M24) BY SEGMENT € 71 Bn (€ BN) channeled in YoY growth €276 Bn 9M24 New target (2022) 300 €Bn +44% Channeled since 2018 71 9.3 Retail +41% Revised target (2021) 200 €Bn 49 6.
Slide 10: 3Q24 Results
BBVA Presentación Institucional | 10 | 3Q24 Results
Slide 11: 3Q24 Profit & Loss
BBVA Corporate Presentation | 11 | 3Q24 Profit & Loss Change Change 3Q24/3Q23 3Q24/2Q24 % % BBVA Group (€M) 3Q24 const. % const. % Net Interest Income 5,868 4 -9 0 -9 Net Fees and Commissions 1,912 28 13 8 -2 Net Trading Income 1,044 97 59 3 -6 Other Income & Expenses -107 -95 -87 -85 -67 Gross Incom
Slide 12: Business Areas: Spain and Mexico
BBVA Corporate Presentation | 12 | Business Areas SPAIN MEXICO (€M 9M24. CHANGE IN % vs. 9M23) (CONSTANT €M 9M24. CHANGE IN % vs. 9M23) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 4,642 €M 2,866 €M 8,160 €M 4,193 €M 9M24 vs. 9M23 9M24 vs. 9M23 Net Interest Incom
Slide 13: Business Areas: Turkey and South America
BBVA Corporate Presentation | 13 | Business Areas TURKEY SOUTH AMERICA (€M 9M24. CHANGE IN % vs. 9M23) (€M 9M24. CHANGE IN % vs. 9M23) OPERATING INCOME NET ATTRIBUTABLE PROFIT OPERATING INCOME NET ATTRIBUTABLE PROFIT 1,458 €M 433 €M 2,056 €M 471 €M 9M24 vs. 9M23 Net Attributable Profit 9M24 vs. 9M23
Slide 14: Business Areas: Corporate & Investment Banking
BBVA Corporate Presentation | 14 | Business Areas OTHER INFORMATION: CORPORATE & INVESTMENT BANKING BUSINESS ACTIVITY CLIENT’S REVENUE RESULTS (CONSTANT €M CHANGE YTD) (CONSTANT €M CHANGE vs. 9M23) (CONSTANT €M CHANGE vs. 9M23) GROSS INCOME LENDING 3,753 €M +27% 83 €Bn +11.9% 4,295 €M +29.0% OPERATI
Slide 15: Takeaways
BBVA Corporate Presentation | 15 | Takeaways BBVA once again reports a very strong quarter Outstanding shareholder value creation and profitability metrics Excellent core revenues evolution on the back of activity growth with fee income clearly outperforming Industry leading efficiency levels with con
Slide 16: Annex
BBVA Presentación Institucional | 16 | Annex
Slide 17: BBVA had significant growth since 1995
BBVA Corporate Presentation | 17 | BBVA had significant growth since 1995 MORE THAN 165 YEARS OF HISTORY Banco Continental (Perú) 1995 Probursa (Mexico) 2007 Compass (USA) 2016 Sale of CNCB´s 1.12% (China) Sale of GarantiBank Moscow AO (Moscow) Banco Ganadero (Colombia) 2008 Extended CNCB agreement (
Slide 18: BBVA's shareholders structure (Sep.24)
BBVA Corporate Presentation | 18 | BBVA’s shareholders structure (Sep.24) # BBVA SHARES # SHAREHOLDERS 5,763 M 717,667 Shareholders Shares NUMBER OF SHARES Amount % Amount % Up to 500 309,089 43.1 56,867,503 1.0 501 to 5,000 320,468 44.7 567,914,234 9.9 Retail 5,001 to 10,000 47,431 6.6 332,457,596
Slide 19: Organizational chart
BBVA Corporate Presentation | 19 | Organizational chart (1) Reporting to the CEO and to the Chair (for topics related to sustainability strategy and transformation). (2) Reporting channel to CEO for Argentina, Colombia, Peru, Venezuela and Uruguay, as well as monitoring of all countries, including S
Slide 20: BBVA
BBVA